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I used to think that extension of the Terrorism Risk Insurance Act was a no-brainer, but I forgot that brainpower is often in short supply in Congress.

The clock is ticking, as TRIA expires at year’s end. Without TRIA, the industry would be totally on its own–in the same boat with many of its clients. With no government backup in place, affordability and availability of terrorism coverage will suffer, and many carriers that do write the exposure (willingly or by law) will face ruin should the worst happen.

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